Derek Duane Gowan

Michael Dinich is the managing member of Your Money Matters Wealth Management, LLC and holds Series 63 and Series 65 licenses. He has 19 years of experience in the financial industry and has been involved with Your Money Matters since 1990. Outside of financial services, he owns Heritage Beef and Cattle Co., a cattle breeding and sales business. Your Money Matters Wealth Management, LLC provides personalized financial planning and discretionary portfolio management primarily for individuals and trusts. The firm maintains a small client base, offering tailored investment strategies and coordinating third-party money manager relationships as appropriate.

Andrew Cartwright is a financial advisor with Valicenti Advisory Services Inc. He holds a Series 65 designation and has worked in the financial industry for 14 years, including his current role at Valicenti Advisory Services since 2012. Prior to this, he was employed by the Corning Painted Post Area School District for 13 years. Valicenti Advisory Services, Inc. provides discretionary investment management and financial planning to individuals, businesses, trusts, estates, charitable organizations, and retirement plans. The firm uses a top-down, Modern Portfolio Theory approach and offers additional services such as tax preparation, bookkeeping, payroll, and insurance products through an affiliated agency.

Joseph Valicenti is the sole advisor at Valicenti Advisory Services Inc. in Elmira, NY, with 18 years of experience at the firm he founded. He holds relevant credentials and has developed his practice primarily through Valicenti Advisory Services since 2008. Valicenti Advisory Services provides discretionary investment management and financial planning to individuals, business entities, trusts, estates, charitable organizations, and retirement plans. The firm employs a top-down, Modern Portfolio Theory approach and complements its investment services with in-house tax preparation, bookkeeping, payroll, and affiliated insurance offerings.

Louis Ruize is a financial advisor with Valicenti Advisory Services Inc. in Elmira, NY. He holds five years of industry experience and has been with Valicenti Advisory Services since 2016. Valicenti Advisory Services, Inc. provides discretionary investment management and financial planning to individuals, trusts, business entities, charitable organizations, and retirement plans. The firm employs a top-down, Modern Portfolio Theory approach and complements its investment services with in-house tax preparation, bookkeeping, payroll, and insurance offerings.

Jeffrey Naylor is a financial advisor at Valicenti Advisory Services Inc with 4 years of industry experience. He has been with Valicenti Advisory Services since 2005. Valicenti Advisory Services, Inc. provides discretionary investment management and financial planning to a range of clients including individuals, trusts, estates, and business entities. The firm combines portfolio management with ancillary services such as tax preparation, bookkeeping, and insurance products through its affiliated agency.

Alexandra Richey is a financial advisor at Gradient Securities, LLC with four years of industry experience. She holds the Series 66 designation and has previously worked at LPL Financial and Citizens & Northern Bank. Outside of her advisory role, she serves as a volleyball bookkeeper for the Troy Area School District and works part-time at Dunkin Donuts. Gradient Securities, LLC provides financial planning, consulting, and non-discretionary asset management services to individuals, retirement plans, trusts, and business entities. The firm emphasizes a non-discretionary investment approach, combining fundamental, technical, and cyclical analysis, often utilizing third-party managers and ongoing client reviews.